San Francisco, CA · Charter 24542
NCUA · 8 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.96% | 1.12% | 1.15% | 0.75% | 1.12% | +17 bps | |
| Return on Equity | 8.78% | 9.89% | 9.97% | 6.99% | 8.46% | -31 bps | |
| Net Interest Margin | 3.10% | 3.21% | 3.28% | 3.16% | 3.06% | -4 bps | |
| Efficiency Ratio | 70.48% | 67.56% | 67.58% | 78.30% | 70.26% | -21 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.02% | 7.16% | 12.16% | 19.33% | 12.80% | +478 bps | |
| Loan Growth (YoY) | 45.40% | 49.27% | 35.75% | 40.69% | 33.19% | -1,221 bps | |
| Share Growth (YoY) | 8.88% | 8.71% | -3.70% | 6.31% | 7.39% | -149 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.24% | 0.27% | 0.17% | 0.15% | 0.15% | -9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.92% | 11.28% | 11.56% | 10.76% | 13.29% | +237 bps | |
| Net Worth / Assets | 10.92% | 11.28% | 11.56% | 10.76% | 13.29% | +237 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.75% | 62.12% | 64.58% | 65.08% | 69.14% | +1,339 bps | |
| Liquid Assets / Assets | 96.66% | 99.45% | 100.00% | 98.63% | 0.00% | -9,666 bps | |